Bristol West Auto Insurance Review (2022)

Bristol West offers non-standard car insurance to high-risk drivers, but rates with Bristol West are likely higher than those with many other companies.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 15, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 15, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 15, 2022Fact Checked
Quick Read

The Bottom Line

Bristol West offers non-standard car insurance coverage to high-risk drivers. In addition, as a subsidiary of Farmers Insurance, Bristol West provides coverage for people who may find it challenging to get a policy with other companies.

Rates with Bristol West are likely higher than rates with many other competitors. Customers note the company has poor customer service, inconsistent billing, and a poorly-constructed website.

Before purchasing a policy with Bristol West, shop online and compare prices with other providers to ensure you get the best coverage.

If you’re searching for car insurance, you may have several companies in mind. However, finding proper coverage and cheap car insurance can be challenging if you have a bad driving record.

Bristol West offers non-standard auto insurance coverage to individuals with DUIs, accidents, and other driving violations. While rates with Bristol West are higher than average, you may want to consider Bristol West if you’re a high-risk driver.

Bristol West Rates

Rates with Bristol West depend on several factors including driving history, coverage options, and more. For example, you can expect to pay higher rates if you have a DUI or multiple traffic violations on your driving record.

We’ve put together a list of the top insurance companies in the country and the rates offered if you have a DUI on your record. This will help you get a better idea of what you can expect to pay with Bristol West.

Average Annual Full Coverage Auto Insurance Rates for Drivers with a DUI
Insurance CompanyRates with a DUIRates with a Clean Record
Allstate$3,638$1,993
American Family$2,124$1,386
Farmers$2,296$1,674
GEICO$2,566$984
Liberty Mutual$3,900$2,120
Nationwide$3,028$1,445
Progressive$1,760$1,310
State Farm$1,490$1,091
Travelers$2,765$1,287
Average$2,619$1,477
Get Your Rates Quote Now

Now let’s take a look at how having a speeding ticket on your record changed your rates.

Average Annual Full Coverage Auto Insurance Rates for Drivers with a Traffic Ticket
Insurance CompanyRates with a TicketRates with a Clean Record
Allstate$2,342$1,993
American Family$1,571$1,386
Farmers$2,108$1,674
GEICO$1,282$984
Liberty Mutual$2,600$2,120
Nationwide$1,737$1,445
Progressive$1,710$1,310
State Farm$1,227$1,091
Travelers$1,780$1,287
Average$1,818$1,477
Get Your Rates Quote Now

Rates for drivers involved in an accident will also be higher than those with a clean record. See rates from the top insurance companies below to learn what you can expect.

Average Annual Full Coverage Auto Insurance Rates for Drivers with an Accident
Insurance CompanyRates with an AccidentRates with a Clean Record
Allstate$2,848$1,993
American Family$2,000$1,386
Farmers$2,383$1,674
GEICO$1,595$984
Liberty Mutual$2,840$2,120
Nationwide$1,983$1,445
Progressive$2,284$1,310
State Farm$1,285$1,091
Travelers$1,888$1,287
Average$2,123$1,477

If you have a clean driving record, you may find cheaper rates with other companies that don’t offer auto insurance to high-risk drivers.

Besides your driving record, the amount of coverage you select will greatly influence your rates. The table below shows the cheapest rates for minimum coverage with the biggest names in the industry.

Average Annual Minimum Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum Coverage Rates
Allstate$605
American Family$582
Farmers$674
GEICO$290
Liberty Mutual$771
Nationwide$588
Progressive$484
State Farm$408
Travelers$471
Average$541

Rates increase drastically when you add on collision and comprehensive coverages, also known as full coverage.

Average Annual Full Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
Allstate$1,993
American Family$1,386
Farmers$1,674
GEICO$984
Liberty Mutual$2,120
Nationwide$1,445
Progressive$1,310
State Farm$1,091
Travelers$1,287
Average$1,477

Shop online and compare car insurance rates with multiple providers to see which company offers the coverage you need at the best price for your unique situation.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Bristol West Discounts Available

Policyholders can take advantage of several discount options with Bristol West, such as:

  • Multi-car
  • Multi-policy
  • Paid-in-full
  • Electronic payments
  • Automatic payments
  • Homeowner
  • Non-owner
  • Safe driver
  • Paperless

Discounts can help individuals save a significant amount on insurance premiums. If you qualify for one or more discounts listed above, you could speak with a Bristol West agent and ask how much you can save on coverage.

Bristol West Coverage Options

Bristol West offers some standard auto insurance coverages, like:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Uninsured/underinsured motorist

While you can’t purchase collision or comprehensive auto insurance to get a full coverage policy with Bristol West, the company offers additional coverage options, including:

  • GAP insurance
  • Roadside assistance
  • Towing
  • Rental car reimbursement
  • Rideshare coverage
  • Rental car coverage

Bristol West may be a good option if you don’t need a full coverage policy but want additional options like Bristol West Insurance roadside assistance. Unfortunately, you’ll have to seek insurance with another provider if you’re looking for collision and comprehensive insurance.

Bristol West vs. Competitors

Bristol West has an A- (excellent) financial strength rating with A.M. Best. The company also has an A rating with the Better Business Bureau (BBB). Unfortunately, the BBB website shows many complaints from Bristol West customers.

According to the National Association of Insurance Commissioners, Bristol West insurance reviews cite poor customer service, inconsistent billing, and a poorly-constructed website as their top issues with the company.

If you’re considering an insurance policy with Bristol West, read customer reviews beforehand to better understand the company’s pros and cons.

What is Bristol West Insurance?

Bristol West Insurance Company is a subsidiary of Farmers Insurance. As a Farmers Insurance subsidiary, Bristol West carries a solid financial strength background and is available in many U.S. states.

Bristol West offers agent-based insurance quotes in most states. So anyone interested in purchasing a policy with Bristol West may have to contact a company agent to get started. Fortunately, with an insurance agent, you have a contact person if you need to file a claim, make a payment, or ask policy questions.

Unfortunately, many agent-based companies offer pricier policies than those without agents. In some cases, interested individuals can find Bristol West insurance quotes online. Still, this option varies based on location and isn’t always accurate.

Frequently Asked Questions

Who owns Bristol West?

Bristol West is a subsidiary of Farmers Insurance.

How can I get a Bristol West car insurance quote?

You can get a free online insurance quote on the company’s website or by calling 866-228-4622.

How do I file a claim with Bristol West?

You can file a claim on the company website or by calling 800-274-7865.

Where is Bristol West available?

Bristol West is available in every state except Alaska, Washington D.C., Delaware, Hawaii, North Carolina, Rhode Island, Vermont, and West Virginia.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption